Amherst, WI · Cert 14907
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.67% | 1.73% | 1.69% | 1.84% | 1.69% | +3 bps | |
| Return on Equity | 12.20% | 12.50% | 12.24% | 13.20% | 12.14% | -7 bps | |
| Net Interest Margin | 3.78% | 3.77% | 3.79% | 3.80% | 3.85% | +7 bps | |
| Efficiency Ratio | 45.63% | 44.71% | 46.18% | 43.16% | 46.79% | +116 bps | |
| Non-Interest Burden | 1.61% | 1.57% | 1.64% | 1.50% | 1.68% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.74% | -0.67% | 4.50% | 2.12% | 2.90% | -184 bps | |
| Loan Growth (YoY) | 9.20% | 11.76% | 8.30% | 9.18% | 8.93% | -27 bps | |
| Deposit Growth (YoY) | 4.12% | -2.14% | 4.07% | 1.59% | 2.62% | -151 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.81% | 0.78% | 0.78% | 0.80% | 0.78% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.19% | 14.24% | 14.12% | 13.99% | 14.42% | +23 bps | |
| Total Risk-Based Capital | 14.19% | 14.24% | 14.12% | 13.99% | 14.42% | +23 bps | |
| Equity / Assets | 13.77% | 14.45% | 13.67% | 14.25% | 13.97% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 56.65% | 60.97% | 58.12% | 60.25% | 60.13% | +348 bps | |
| Liquid Assets / Assets | 39.76% | 37.63% | 38.07% | 35.86% | 33.75% | -601 bps | |
| CRE / Total Capital | n/a | 95.39% | 97.45% | 97.05% | n/a | n/a | |